Dishonoured Cheque

Querist : Anonymous (Querist) 08 May 2010 This query is : Resolved
Dear All,
My cheque has been bounced two time with a remark `insufficient fund` In the meantime, some `turmeric stains` ( Haldi marks ) have been put on some part of cheque & it looks dirty. If now, I present the cheque in the bank & it comes back with a remark as dirty cheque etc. & not as `insufficient amount`. Can I send him notice for bounce of cheque? IF NOT, THEN WHAT IS ALTERNATIVE TO SEND HIM NOTICE OR FILING THE CASE. ( HE WILL NOT CHANGE THE CHEQUE NOW )

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Krishnamurthy Ramdas Iyer (Expert) 08 May 2010
first present and see the remarks and then decide.
haldi marks or otherwise

Sachin Bhatia (Expert) 08 May 2010
Present the cheque in your bank first.

Parthasarathi Loganathan (Expert) 08 May 2010
No way a bank is legally entitled to dishonour a cheque on account of such reasons unless there is material alteration or insufficient funds. You can file a complaint in the Banking Ombudsman through onlline

Guest (Expert) 08 May 2010
THE CHEQUE IS ALREADY RETURNED DISHONOURED TWICE.CAUSE OF ACTION ALREADY AROSE WHEN IT GOT DISHONOURED FIRST TIME.

AFTER SECODND TIME DISHONOUR OF CHEQUE IF IT IS STILL IN LIMITATION THEN SEND THE NOTICE IMMEDIATELY

IT LIMITATION PERIOD IS OVER THEN REDEPOSIT THE CHEQUE AND SEND NOTICE WITHIN LIMITATION PERIOD.
THANKS

niranjan (Expert) 08 May 2010
If you have not issued notice so far after second return and if one month has not elapsed,you can serve the notice and file the complaint.

Kiran Kumar (Expert) 14 May 2010
i agree with Mr. Sawant here that the cause of action has already begun after first bounce.

visit some lawyer, find out the limitation period available then move accordingly.

need not to present cheque again.

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